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The total amount of money. It includes any unpaid balance from the previous month, new purchases, cash advances, and any charges such as an annual fee, late fee or interest.

  EfectivaTM Visa®
  by Bank of America

  EfectivaTM Visa® Credit Cards by Bank of America
Apply Online

EfectivaTM Visa®

issued by Bank of America

Consumer Excellent/Good Points


Х No annual fee
Х Customer communications in Spanish and English
Х Total Security Protection
Х Various Internet account related services
Х Auto rental insurance
Х Various travel and emergency assistance services
Х Lost luggage recovery
Х No liability for unauthorized Internet transactions
Х Discounts on auto rentals
Х Optional Mini Card
Х Optional Purchase Guard

Purchases:   Balance Transfers:   Cash Advances:
Introductory APR: 0%   0%   none
Introductory Period: 6 months   6 months   none
Ongoing APR: 11.24%   11.24%   21.24%
Default APR: 29.99%   29.99%   29.99%
Minimum Grace Period: 20 days   none   none
Minimum Finance

Transaction Fees

Balance Transfer:   Cash Advance:   Foreign Exchange:
Minimum: $10   $10   none
Fee Rate: 3%   3%   3%
Maximum: none   none   none

Other Fees

Initial:   Maintenance:   Penalty:
Setup: $0   Annual: $0   Late Payment: $15


Details of EfectivaTM Visa® by Bank of America

See also: All Cards > Another Cards of Bank of America  > Select Another Issuer
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